Discover it® Secured Cash Back
159 Reviews
Min. deposit
$49, $99 or $200
Refundable
Regular purchase APR
29.24% (Variable)
Annual fee
$0
Rewards rate
1% - 5%
Cash back
Additional rates and fees
Annual fee
$0
Intro purchase APR
N/A
Regular purchase APR
29.24% (Variable)
Intro balance transfer APR
N/A
Regular balance transfer APR
29.24% (Variable)
Cash advance APR
29.24% (Variable)
Cash advance fee
5% of the amount of the cash advance, but not less than $5
Late fee
None the first time you pay late. After that, up to $41
Penalty APR
N/A
Balance transfer fee
0% at the Transfer APR; 5% on the amount of each transferred balance that posts to your account at a Promotional APR that Capital One may offer you
Foreign transaction fee
None
Return payment fee
See Terms*
* See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Continue" button, you can review the credit card terms and conditions on the provider's website.
Card details
- Refundable deposits as low as $49 unlock credit lines starting at $200.¹ No credit score required to apply.²
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Smart habits, like making on-time payments, can help you build credit with responsible use³
- When you establish a positive track record, you'll earn your deposit back and upgrade to the Discover it Cash Back Credit Card.
- Redeem cash back for any amount. No annual or hidden fees
- With $0 Fraud Liability you’re never responsible for unauthorized purchases on your Discover Card
- Terms and conditions apply.
- ¹ Deposit amount will be $49, $99, or $200 based on creditworthiness. Upon qualification, your security deposit will be returned and your account unsecured. All other card terms and features will remain the same.
- ² Capital One may use credit scores if available.
- ³ Many factors affect your credit, such as payment history and amount of credit extended and used. Using your credit responsibly may help you build good credit